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You'll generally need a credit score of 560 or higher to get an Upgrade personal loan. Keep in mind that you're not guaranteed to get a loan if you have a higher credit score than that; you'll need to meet Upgrade's other personal loan requirements, too, such as a stable income.

The application may require certain documents, like W-2s and pay stubs to confirm the information you gave during pre-qualification. Upgrade will also do a hard credit check when you apply, so your credit score will temporarily dip. Get approved and receive your funds.

You'll generally need a credit score of 560 or higher to get an Upgrade personal loan. Keep in mind that you're not guaranteed to get a loan if you have a higher credit score than that; you'll need to meet Upgrade's other personal loan requirements, too, such as a stable income.

Upgrade does not publicize their income requirements, but they will ask for documents to verify an applicant's income. Upgrade's personal loans range from $1,000 to $50,000. Borrowers can repay their Upgrade personal loans within 36 to 60 months.

Upgrade only looks at the financial documents you submit, such as a W-2 form, a bank statement, a direct deposit form or a pay stub, to verify that you have enough income to afford the loan. For more information, check out the full Upgrade personal loan review on WalletHub.

Upgrade Personal Loan personal loans offer quick decisions and funding, with the whole process taking 2 - 5 business days. You can get your money as soon as one business day after the loan is approved. The loans are also fairly easy to get, requiring a credit score of only 620 for approval.

Yes, you may need to show proof of income to get the Upgrade Credit Card, if your information cannot be easily verified. When that happens, you should be prepared to provide additional financial information, like pay stubs, bank statements, or W-2 tax forms.